Globelink Travel insurance (Annual Multi Trip)

Emergency Medical Expenses are covered up to €10,000,000 in total per insured person across all Annual Multi-Trip trip-duration options (17/31/45/60/90/120 days) and age bands; only the excess (€75-€250) varies by option.

Emergency medical treatment abroad is covered under the same €10,000,000 Section B aggregate limit as Emergency Medical Expenses.

Hospitalisation costs are not itemised separately by Globelink; they are covered as part of the single 'Emergency Medical Expenses' benefit, which for the Comprehensive policy (the main worldwide/EU product) is covered up to €10,000,000 in total, subject to policy excess.

Outpatient treatment is not given its own sub-limit in Globelink's published materials; it is included within the overall Emergency Medical Expenses benefit (up to €10,000,000 in total for the Comprehensive policy, €5,000,000 for Economy/Regular Stay), with no separately stated outpatient cap.

Globelink Single Trip (and by extension Comprehensive) policies include emergency dental treatment for the relief of pain as standard; no separate monetary sub-limit for dental treatment is published, as it falls under the overall Emergency Medical Expenses benefit.

Emergency medical transport is covered as part of the Section B 'Medical, repatriation and other expenses' aggregate limit of €10,000,000.

Emergency medical evacuation is covered as part of the same €10,000,000 Section B aggregate limit.

Repatriation, including in the event of death, is arranged by the 24-hour Assistance Service and covered within the €10,000,000 Section B aggregate limit.

Mountain/piste rescue costs are covered on the basis of medical necessity (e.g. injury or illness), within the €10,000,000 Section B aggregate; there is no cover for rescue costs unrelated to a covered illness or injury.

Emergency Medical Expenses, Repatriation, and Cancellation & Curtailment cover for coronavirus is included within 14 days of travel or while travelling, subject to certified test results from an independent authority, within the policy's overall €10,000,000 medical and repatriation limit.

Over 50 pre-existing medical conditions, such as diabetes and high blood pressure, are covered as standard without additional premium; certain specific conditions require declaration and may require medical screening.

17 days of winter sports cover (loss/theft/damage to ski equipment, resort closure, emergency medical expenses, repatriation and piste rescue) is included free of charge for insured persons under 70 on Annual Multi-Trip options with an individual trip duration of 45 days or more; this excludes Winter Sports in the USA.

Over 100 adventure pursuits and activities are covered as standard on all Annual Multi-Trip policies; higher-risk Category 3 activities can be added for an additional premium.

Normal pregnancy or childbirth without complications is not covered; however, the policy is designed to cover unforeseen bodily injury, illness, disease or complication, meaning genuine pregnancy complications that arise unexpectedly would be assessed under the general Emergency Medical Expenses/Cancellation sections, while routine pregnancy and normal childbirth are explicitly excluded.

Personal Liability cover is included as standard on Globelink travel insurance policies for EU residents, up to €2,000,000 per insured person, covering legal liability to pay compensation for causing bodily injury or damage to rented accommodation (subject to exclusions e.g. motorised vehicles, work/business activities, and certain adventure activities).

Legal Expenses cover is not confirmed as a standard inclusion on the core Comprehensive/Regular Stay policies; Globelink markets Legal Expenses cover as a standard feature only on certain product lines (e.g. Globetrekkers Standard Plus and J1 Regular policies), where it is bundled together with Personal Accident cover, with no separate monetary limit published for the general EU Comprehensive product.